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Luther’s Ninety-five Theses: What You May Not Know and Why They Matter Today

More By Justin Holcomb

For more accessible overviews of key moments in church history, purchase Justin Holcomb’s new book, Know the Creeds and Councils (Zondervan, 2014) [ interview ]. Additionally, Holcomb has made available to TGC readers an exclusive bonus chapter, which can be accessed here . This article is a shortened version of the chapter.

If people know only one thing about the Protestant Reformation, it is the famous event on October 31, 1517, when the Ninety-five Theses of Martin Luther (1483–1586) were nailed on the door of the Castle Church of Wittenberg in protest against the Roman Catholic Church. Within a few years of this event, the church had splintered into not just the “church’s camp” or “Luther’s camp” but also the camps of churches led by theologians of all different stripes.

Luther is known mostly for his teachings about Scripture and justification. Regarding Scripture, he argued the Bible alone ( sola scriptura ) is our ultimate authority for faith and practice. Regarding justification, he taught we are saved solely through faith in Jesus Christ because of God’s grace and Christ’s merit. We are neither saved by our merits nor declared righteous by our good works. Additionally, we need to fully trust in God to save us from our sins, rather than relying partly on our own self-improvement.

Forgiveness with a Price Tag

These teachings were radical departures from the Catholic orthodoxy of Luther’s day. But you might be surprised to learn that the Ninety-five Theses, even though this document that sparked the Reformation, was not about these issues. Instead, Luther objected to the fact that the Roman Catholic Church was offering to sell certificates of forgiveness, and that by doing so it was substituting a false hope (that forgiveness can be earned or purchased) for the true hope of the gospel (that we receive forgiveness solely via the riches of God’s grace).

The Roman Catholic Church claimed it had been placed in charge of a “treasury of merits” of all of the good deeds that saints had done (not to mention the deeds of Christ, who made the treasury infinitely deep). For those trapped by their own sinfulness, the church could write a certificate transferring to the sinner some of the merits of the saints. The catch? These “indulgences” had a price tag.

This much needs to be understood to make sense of Luther’s Ninety-five Theses: the selling of indulgences for full remission of sins intersected perfectly with the long, intense struggle Luther himself had experienced over the issues of salvation and assurance. At this point of collision between one man’s gospel hope and the church’s denial of that hope the Ninety-five Theses can be properly understood.

Theses Themselves

Luther’s Ninety-five Theses focuses on three main issues: selling forgiveness (via indulgences) to build a cathedral, the pope’s claimed power to distribute forgiveness, and the damage indulgences caused to grieving sinners. That his concern was pastoral (rather than trying to push a private agenda) is apparent from the document. He didn’t believe (at this point) that indulgences were altogether a bad idea; he just believed they were misleading Christians regarding their spiritual state:

41. Papal indulgences must be preached with caution, lest people erroneously think that they are preferable to other good works of love.

As well as their duty to others:

43. Christians are to be taught that he who gives to the poor or lends to the needy does a better deed than he who buys indulgences.

44. Because love grows by works of love, man thereby becomes better. Man does not, however, become better by means of indulgences but is merely freed from penalties. [Notice that Luther is not yet wholly against the theology of indulgences.]

And even financial well-being:

46. Christians are to be taught that, unless they have more than they need, they must reserve enough for their family needs and by no means squander it on indulgences.

Luther’s attitude toward the pope is also surprisingly ambivalent. In later years he called the pope “the Antichrist” and burned his writings, but here his tone is merely cautionary, hoping the pope will come to his senses. For instance, in this passage he appears to be defending the pope against detractors, albeit in a backhanded way:

51. Christians are to be taught that the pope would and should wish to give of his own money, even though he had to sell the basilica of St. Peter, to many of those from whom certain hawkers of indulgences cajole money.

Obviously, since Leo X had begun the indulgences campaign in order to build the basilica, he did not “wish to give of his own money” to victims. However, Luther phrased his criticism to suggest that the pope might be ignorant of the abuses and at any rate should be given the benefit of the doubt. It provided Leo a graceful exit from the indulgences campaign if he wished to take it.

So what made this document so controversial? Luther’s Ninety-five Theses hit a nerve in the depths of the authority structure of the medieval church. Luther was calling the pope and those in power to repent—on no authority but the convictions he’d gained from Scripture—and urged the leaders of the indulgences movement to direct their gaze to Christ, the only one able to pay the penalty due for sin.

Of all the portions of the document, Luther’s closing is perhaps the most memorable for its exhortation to look to Christ rather than to the church’s power:

92. Away, then, with those prophets who say to Christ’s people, “Peace, peace,” where in there is no peace.

93. Hail, hail to all those prophets who say to Christ’s people, “The cross, the cross,” where there is no cross.

94. Christians should be exhorted to be zealous to follow Christ, their Head, through penalties, deaths, and hells.

95. And let them thus be more confident of entering heaven through many tribulations rather than through a false assurance of peace.

In the years following his initial posting of the theses, Luther became emboldened in his resolve and strengthened his arguments with Scripture. At the same time, the church became more and more uncomfortable with the radical Luther and, in the following decades, the spark that he made grew into a flame of reformation that spread across Europe. Luther was ordered by the church to recant in 1520 and was eventually exiled in 1521.

Ongoing Relevance

Although the Ninety-five Theses doesn’t explicitly lay out a Protestant theology or agenda, it contains the seeds of the most important beliefs of the movement, especially the priority of grasping and applying the gospel. Luther developed his critique of the Roman Catholic Church out of his struggle with doubt and guilt as well as his pastoral concern for his parishioners. He longed for the hope and security that only the good news can bring, and he was frustrated with the structures that were using Christ to take advantage of people and prevent them from saving union with God. Further, Luther’s focus on the teaching of Scripture is significant, since it provided the foundation on which the great doctrines of the Reformation found their origin.

Indeed, Luther developed a robust notion of justification by faith and rejected the notion of purgatory as unbiblical; he argued that indulgences and even hierarchical penance cannot lead to salvation; and, perhaps most notably, he rebelled against the authority of the pope. All of these critiques were driven by Luther’s commitment, above all else, to Christ and the Scriptures that testify about him. The outspoken courage Luther demonstrated in writing and publishing the Ninety-five Theses also spread to other influential leaders of the young Protestant Reformation.

Today, the Ninety-five Theses may stand as the most well-known document from the Reformation era. Luther’s courage and his willingness to confront what he deemed to be clear error is just as important today as it was then. One of the greatest ways in which Luther’s theses affect us today—in addition to the wonderful inheritance of the five Reformation solas (Scripture alone, grace alone, faith alone, Christ alone, glory to God alone)—is that it calls us to thoroughly examine the inherited practices of the church against the standard set forth in the Scriptures. Luther saw an abuse, was not afraid to address it, and was exiled as a result of his faithfulness to the Bible in the midst of harsh opposition.

Is there enough evidence for us to believe the Gospels?

Justin Holcomb is an Episcopal priest and a theology professor at Reformed Theological Seminary and Gordon-Conwell Theological Seminary. He is author with his wife, Lindsey, of God Made All of Me , Is It My Fault? , and Rid of My Disgrace: Hope and Healing for Victims of Sexual Assault . Justin also has written or edited numerous other books on historical theology and biblical studies. You can find him on Facebook , Twitter , and at JustinHolcomb.com .

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Davenant Institute

Introduction to Luther’s Ninety-Five Theses

Josiah Roberts

This article appeared in Ad Fontes Vol II, Issue 2. Excerpted from Davenant’s forthcoming Reformation Theology volume.

Few documents in Christian history have become as iconic as Martin Luther’s Ninety-five Theses , the ringing denunciation of the corruptions of the late medieval church that was to spark the Protestant Reformation. Luther may or may not have posted them on the church door in Wittenberg (he almost certainly did not nail them, in any case, as later legend would have it), but his dissemination of them on October 31, 1517 marked a turning point not only in Luther’s life but in the life of the whole Christian church.

The document itself, however, is an unlikely candidate for the role of revolutionary text or Protestant manifesto: composed chiefly for an academic disputation on a practice now long-forgotten and scarce understood, the theses are a bit bewildering to the modern reader looking for familiar Reformation slogans. Indeed, neither of Luther’s two great principles—justification by faith alone and the authority of Scripture alone—are to be found in these pages, even though the former had already begun to influence Luther’s thinking and underlies several of his concerns in the Theses .

Judged by the standard of Luther’s later work (even his writings from two or three years later), the Theses are fairly conservative, and Luther hardly expected them to unleash a full-scale reconception of Christian theology and division of the church. Luther here is not so much interested in overthrowing the whole penitential system of the Catholic Church as he is in purifying it from obvious abuses, and he continues to accept many of the Pope’s claims of authority. Indeed, in Theses 80-90 he says that one of his chief concerns is to defend the honor of the Pope against the easy attacks to which the careless teaching of the indulgence preachers had exposed him.

On the other hand, it is easy to downplay too much the significance of the Theses . Luther was not, after all, just a random and inconsequential monk, as the Pope and his advisors were to try and dismiss him; he was at this time one of the highest-ranking leaders of the Augustinian Order in Germany and an increasingly renowned professor at one of its leading universities. Moreover, Luther did not compose the Theses on a whim; he had been long wrestling over the indulgences issue and was well aware that by attacking the practice, he would likely be earning himself some very powerful enemies. Finally, although theses were normally composed for academic disputations only, Luther seems to have intended these at the outset for a wider audience. As scholar Timothy J. Wengert notes, the Theses are full of rhetorical flourishes that suggest Luther wanted to reach and persuade many educated readers, and very unusually for such theses, Luther from the first invited scholars from around Germany to respond to the theses in writing. Indeed, there does not ever seem to have been an academic disputation in Wittenberg as would normally have followed the proposal of such theses. Most striking of all, Luther took the extraordinary step of sending the Theses to Archbishop Albrecht of Mainz, the leading church authority in Germany, and exhorting him in no uncertain terms to restrain the indulgence preachers.

So who were these indulgence preachers and why was Luther so upset about them? The answer sheds light both on the astonishing depth of the corruption in the late medieval church and on the often misunderstood heart of Luther’s protest against it.

The theology and practice of indulgences had been around for centuries, although it had gotten increasingly out of hand in the decades leading up to 1517. At its root lay a long medieval distinction between guilt and punishment: although true repentance of sins and confession to a priest could give the believer absolution from guilt and therefore from hellfire, sin still demanded some kind of temporal punishment. Some of this punishment could be handled by taking penitential actions prescribed by the priest, but much of it would remain to be exacted after death. Accordingly, the medieval church came to increasingly teach the doctrine of purgatory, a place where the faithful must undergo a term (perhaps even hundreds of thousands of years) of purifying torment before they could enter heaven. But, there was some good news. By doing certain holy acts, like participating in or helping pay for a Crusade, Christians could receive an “indulgence” from the Pope, shortening their time in purgatory or perhaps even skipping it altogether. Eventually, recognizing in indulgences a potentially immense source of revenue, later popes began offering them for money more often than for good deeds, and needing to continue to expand the market to keep the revenues flowing, they started allowing the faithful to buy indulgences for their dead relatives already in purgatory.

Johann Tetzel’s indulgence campaign that prompted Luther’s protest in 1517, though, was an extraordinary illustration of the corruption that came from mixing such absolute spiritual power with the wide-reaching worldly power of the late medieval church. Ostensibly ordered to help finance the construction of St. Peter’s basilica in Rome, much of the money actually went into the coffers of Archbishop Albrecht of Mainz. Albrecht needed it in order to repay the Fugger banking family for the immense debts he had contracted from them in order to buy from the Pope the most powerful church office in Germany at the age of 23. Since the most enthusiastic buyers of indulgences were the uneducated and gullible poor, Tetzel’s indulgence campaign constituted an extraordinary redistribution of wealth upward from the poorest to the richest in Christendom.

Such exploitation of the poor infuriated Luther, and in thesis 45, he decries those who, instead of helping the needy, as Christ commanded for the truly penitent, spent all their spare money on indulgences. More fundamentally, though, Luther worried that indulgences were a form of cheap grace, a way for people to purchase false security for their souls without truly facing the depth of their sin and repenting from the heart. The earlier distinction between guilt and punishment had been thoroughly blurred so that indulgences had in the minds of the public, encouraged by salesmen like Tetzel, become a substitute for true repentance, purchasing freedom from guilt as well as punishment. This point is key to grasp, given how readily Luther’s gospel of salvation by faith alone is often distorted. Luther’s concern with the late medieval church was less that it had made salvation too hard (by endless works rather than simple faith) and more that it had made salvation too easy (by thoughtless outward works or transactions rather than heartfelt repentance, being crucified with Christ). The real gospel of Christ, charged Luther, was both much more serious, more frightening, and more liberating than the spiritual economy the popes had created to fill their own coffers.

Dr. Bradford Littlejohn is the President of the Davenant Institute and teaches philosophy at Moody Bible Institute. He is the author of two books on Richard Hooker as well as numerous articles and book chapters on Reformation theology and Christian ethics.

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Martin Luther and the 95 Theses

By: History.com Editors

Updated: June 6, 2019 | Original: October 29, 2009

Born in Eisleben, Germany, in 1483, Martin Luther went on to become one of Western history’s most significant figures. Luther spent his early years in relative anonymity as a monk and scholar. But in 1517 Luther penned a document attacking the Catholic Church’s corrupt practice of selling “indulgences” to absolve sin. His “95 Theses,” which propounded two central beliefs—that the Bible is the central religious authority and that humans may reach salvation only by their faith and not by their deeds—was to spark the Protestant Reformation. Although these ideas had been advanced before, Martin Luther codified them at a moment in history ripe for religious reformation. The Catholic Church was ever after divided, and the Protestantism that soon emerged was shaped by Luther’s ideas. His writings changed the course of religious and cultural history in the West.

Martin Luther (1483–1546) was born in Eisleben, Saxony (now Germany), part of the Holy Roman Empire, to parents Hans and Margaretta. Luther’s father was a prosperous businessman, and when Luther was young, his father moved the family of 10 to Mansfeld. At age five, Luther began his education at a local school where he learned reading, writing and Latin. At 13, Luther began to attend a school run by the Brethren of the Common Life in Magdeburg. The Brethren’s teachings focused on personal piety, and while there Luther developed an early interest in monastic life.

Did you know? Legend says Martin Luther was inspired to launch the Protestant Reformation while seated comfortably on the chamber pot. That cannot be confirmed, but in 2004 archeologists discovered Luther's lavatory, which was remarkably modern for its day, featuring a heated-floor system and a primitive drain.

Martin Luther Enters the Monastery

But Hans Luther had other plans for young Martin—he wanted him to become a lawyer—so he withdrew him from the school in Magdeburg and sent him to new school in Eisenach. Then, in 1501, Luther enrolled at the University of Erfurt, the premiere university in Germany at the time. There, he studied the typical curriculum of the day: arithmetic, astronomy, geometry and philosophy and he attained a Master’s degree from the school in 1505. In July of that year, Luther got caught in a violent thunderstorm, in which a bolt of lightning nearly struck him down. He considered the incident a sign from God and vowed to become a monk if he survived the storm. The storm subsided, Luther emerged unscathed and, true to his promise, Luther turned his back on his study of the law days later on July 17, 1505. Instead, he entered an Augustinian monastery.

Luther began to live the spartan and rigorous life of a monk but did not abandon his studies. Between 1507 and 1510, Luther studied at the University of Erfurt and at a university in Wittenberg. In 1510–1511, he took a break from his education to serve as a representative in Rome for the German Augustinian monasteries. In 1512, Luther received his doctorate and became a professor of biblical studies. Over the next five years Luther’s continuing theological studies would lead him to insights that would have implications for Christian thought for centuries to come.

Martin Luther Questions the Catholic Church

In early 16th-century Europe, some theologians and scholars were beginning to question the teachings of the Roman Catholic Church. It was also around this time that translations of original texts—namely, the Bible and the writings of the early church philosopher Augustine—became more widely available.

Augustine (340–430) had emphasized the primacy of the Bible rather than Church officials as the ultimate religious authority. He also believed that humans could not reach salvation by their own acts, but that only God could bestow salvation by his divine grace. In the Middle Ages the Catholic Church taught that salvation was possible through “good works,” or works of righteousness, that pleased God. Luther came to share Augustine’s two central beliefs, which would later form the basis of Protestantism.

Meanwhile, the Catholic Church’s practice of granting “indulgences” to provide absolution to sinners became increasingly corrupt. Indulgence-selling had been banned in Germany, but the practice continued unabated. In 1517, a friar named Johann Tetzel began to sell indulgences in Germany to raise funds to renovate St. Peter’s Basilica in Rome.

The 95 Theses

Committed to the idea that salvation could be reached through faith and by divine grace only, Luther vigorously objected to the corrupt practice of selling indulgences. Acting on this belief, he wrote the “Disputation on the Power and Efficacy of Indulgences,” also known as “The 95 Theses,” a list of questions and propositions for debate. Popular legend has it that on October 31, 1517 Luther defiantly nailed a copy of his 95 Theses to the door of the Wittenberg Castle church. The reality was probably not so dramatic; Luther more likely hung the document on the door of the church matter-of-factly to announce the ensuing academic discussion around it that he was organizing.

The 95 Theses, which would later become the foundation of the Protestant Reformation, were written in a remarkably humble and academic tone, questioning rather than accusing. The overall thrust of the document was nonetheless quite provocative. The first two of the theses contained Luther’s central idea, that God intended believers to seek repentance and that faith alone, and not deeds, would lead to salvation. The other 93 theses, a number of them directly criticizing the practice of indulgences, supported these first two.

In addition to his criticisms of indulgences, Luther also reflected popular sentiment about the “St. Peter’s scandal” in the 95 Theses:

Why does not the pope, whose wealth today is greater than the wealth of the richest Crassus, build the basilica of St. Peter with his own money rather than with the money of poor believers?

The 95 Theses were quickly distributed throughout Germany and then made their way to Rome. In 1518, Luther was summoned to Augsburg, a city in southern Germany, to defend his opinions before an imperial diet (assembly). A debate lasting three days between Luther and Cardinal Thomas Cajetan produced no agreement. Cajetan defended the church’s use of indulgences, but Luther refused to recant and returned to Wittenberg.

Luther the Heretic

On November 9, 1518 the pope condemned Luther’s writings as conflicting with the teachings of the Church. One year later a series of commissions were convened to examine Luther’s teachings. The first papal commission found them to be heretical, but the second merely stated that Luther’s writings were “scandalous and offensive to pious ears.” Finally, in July 1520 Pope Leo X issued a papal bull (public decree) that concluded that Luther’s propositions were heretical and gave Luther 120 days to recant in Rome. Luther refused to recant, and on January 3, 1521 Pope Leo excommunicated Martin Luther from the Catholic Church.

On April 17, 1521 Luther appeared before the Diet of Worms in Germany. Refusing again to recant, Luther concluded his testimony with the defiant statement: “Here I stand. God help me. I can do no other.” On May 25, the Holy Roman emperor Charles V signed an edict against Luther, ordering his writings to be burned. Luther hid in the town of Eisenach for the next year, where he began work on one of his major life projects, the translation of the New Testament into German, which took him 10 months to complete.

Martin Luther's Later Years

Luther returned to Wittenberg in 1521, where the reform movement initiated by his writings had grown beyond his influence. It was no longer a purely theological cause; it had become political. Other leaders stepped up to lead the reform, and concurrently, the rebellion known as the Peasants’ War was making its way across Germany.

Luther had previously written against the Church’s adherence to clerical celibacy, and in 1525 he married Katherine of Bora, a former nun. They had five children. At the end of his life, Luther turned strident in his views, and pronounced the pope the Antichrist, advocated for the expulsion of Jews from the empire and condoned polygamy based on the practice of the patriarchs in the Old Testament.

Luther died on February 18, 1546.

Significance of Martin Luther’s Work

Martin Luther is one of the most influential figures in Western history. His writings were responsible for fractionalizing the Catholic Church and sparking the Protestant Reformation. His central teachings, that the Bible is the central source of religious authority and that salvation is reached through faith and not deeds, shaped the core of Protestantism. Although Luther was critical of the Catholic Church, he distanced himself from the radical successors who took up his mantle. Luther is remembered as a controversial figure, not only because his writings led to significant religious reform and division, but also because in later life he took on radical positions on other questions, including his pronouncements against Jews, which some have said may have portended German anti-Semitism; others dismiss them as just one man’s vitriol that did not gain a following. Some of Luther’s most significant contributions to theological history, however, such as his insistence that as the sole source of religious authority the Bible be translated and made available to everyone, were truly revolutionary in his day.

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• Martin Luther's Ninety-Five Theses: With Introduction, Commentary, and Study Guide

In this Book

• by Timothy J. Wengert
• Published by: Augsburg Fortress Publishers

Table of Contents

• Title page, Copyright
• Abbreviations
• Introduction: Luther’s First Reformation Writings
• pp. xiii-xlvi
• The Ninety-Five Theses
• The Letter to Albrecht
• A Sermon on Indulgences and Grace
• Study Guide
• For Further Reading

Additional Information

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